New Silver Lending LLC — Privacy Policy

Last Updated: July 29, 2026

New Silver Lending LLC, including its affiliated entities and subsidiaries (collectively, “New Silver”) has created this privacy policy (“Privacy Policy”) to describe New Silver’s data collection and privacy practices. It applies to any users of newsilver.com, getfunded.newsilver.com, hq.newsilver.com, and any other web pages, mobile applications and mobile websites operated by New Silver (collectively, the “Site”).

For purposes of this Privacy Policy, the terms “we,” “us,” and “our” refer to New Silver, its affiliates and its subsidiaries. “You” refers to you, as a visitor or user of the Site or any of the various services provided through the Site (“Service(s)”). Other capitalized terms that are not expressly defined in this Privacy Policy have the same meaning as set forth in New Silver’s Terms of Use, which is incorporated herein.

New Silver is a licensed direct lender (NMLS Company ID: 2154545) that originates and services business-purpose commercial loans secured by non-owner-occupied investment real estate.

What Information Do We Collect?

New Silver collects your information when you submit information on the Site and when you visit Site pages. We may collect the following:

Personal Information. Name and contact information, such as email address, telephone number, mobile telephone number, physical address, birthdate, Social Security number, professional qualifications, and image.

Mobile Telephone Number and Text Messaging Consent. Where you provide a mobile telephone number and affirmatively consent to receive text messages, we collect and retain that number together with a record of your consent, including the date, time, method, and the exact consent language presented to you. This category of information is subject to the additional restrictions set out in the Mobile Information and Text Messaging section below.

Credit and Underwriting Information. Credit reports and any information contained therein (including without limitation commercial information, bank account number, credit card number, debit card number, records of personal property, credit data from credit bureaus, and demographic data from data brokers used to build and populate underwriting models), credit scores, and similar information and reports related to your credit history.

Background Check Information. Information we gather from background checks, including without limitation criminal history, verifications of employment, education records, and driving records.

Correspondence. Personal information you provide to us through correspondence, chats, or dispute resolution, or that you share with us from other applications, services, or websites.

Payment Information. Information required to process payments, such as tax I.D. numbers and payment details including account number, expiration date, and security code, as well as your billing address. Payment Information is never disclosed except to payment processors acting on our behalf.

Aggregate Data. Information we collect about a group or category of services or users from which individual user identities have been removed. No Personal Information is included in Aggregate Data.

Non-Personal Information. Information regarding how many people visit the Site, the pages they visit, their IP address, and the browser type used. When you use the Site, New Silver and its service providers may receive and record non-personal information from cookies, server logs, and similar technology from your browser or mobile device.

How Do We Use Your Information?

New Silver does not share your Personal Information or transactional information with any person or entity other than as set out in this Privacy Policy. The information we collect is used to originate, underwrite, and service loans; to improve the content of our Site and Services; to notify you about updates to our Site and Services; and for communications such as customer service.

Email Communications

We may send you a welcome email to verify your account and other transactional emails for operational purposes, such as billing, account management, or system maintenance. We may also send you promotions, product announcements, surveys, newsletters, product evaluations, and event information or other marketing emails. You can opt out of marketing email at any time by using the unsubscribe link within each email, updating your email preferences in your New Silver account, or emailing us to have your contact information removed from our marketing list. Transactional email relating to an active loan application or funded loan will continue for as long as that application or loan is open.

Text Message (SMS) Communications

Text messaging is a separate, voluntary program. We send text messages only to individuals who have affirmatively opted in by taking a distinct action — such as checking an unchecked consent box on a New Silver application or form, or texting a keyword to one of our numbers.

  • Consent is never assumed. Your use of the Site, submission of a loan application, or provision of a mobile number for any other purpose does not by itself constitute consent to receive text messages.
  • Consent is not a condition. Consent to receive text messages is not required as a condition of applying for, obtaining, or servicing a loan, or of using the Site or Services.
  • Consent is collected directly by New Silver. We do not obtain text messaging consent from lead vendors, list brokers, affiliate partners, referral partners, or any other third party, and we do not send text messages to purchased, rented, or third-party lead lists.
  • Message content. Our transactional messaging program sends messages relating to an existing loan application or funded loan, including application status updates, document and condition requests, appraisal and inspection scheduling, closing coordination, construction draw status, and servicing notices.
  • Frequency and cost. Messages are recurring and frequency varies by loan stage. Message and data rates may apply. Contact your wireless carrier for details about your messaging plan.
  • Opting out. You may opt out at any time by replying STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to any message. You will receive one confirmation message and no further messages will be sent to that number unless you re-subscribe. Opt-out requests are honored immediately.
  • Help. Reply HELP to any message for program information and contact details, or email [email protected] or call (855) 844-5626.
  • Eligibility. You must be at least 18 years old and a resident of the United States, and you must be the subscriber or the customary authorized user of the mobile number you provide.

Full program terms are available in our SMS Terms of Service.

Telephone Calls

Where you have provided a telephone number in connection with a loan application, we may call you regarding that application or loan. If you have separately consented to marketing calls, you may withdraw that consent at any time by telling us during any call, or by emailing [email protected].

Marketing

We may use your Personal Information to tell you about our services and tools, to deliver marketing and promotional offers consistent with your communication preferences, and to customize, measure, and improve our advertising. We do not upload, disclose, or otherwise make available your mobile telephone number or text messaging consent data to any advertising network, social media platform, data broker, or audience-matching service for any purpose.

Mobile Information and Text Messaging

This section governs mobile telephone numbers and text messaging consent data and controls over any conflicting provision elsewhere in this Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. 

We do not sell, rent, lease, or trade your mobile telephone number or text messaging consent data under any circumstances, and we do not disclose it to third parties or affiliates for their own marketing, promotional, or commercial purposes, with or without your consent.

In the event of a merger, acquisition, or sale of all or part of New Silver’s assets, any transfer of mobile telephone numbers and associated consent records will be made subject to the same restrictions set out in this section, and the acquiring entity will be bound by them.

Sharing Your Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. We may only disclose Personal Information in the following circumstances:

  • Service providers. To vendors and subcontractors who perform services on our behalf, including loan origination and servicing systems, credit bureaus, appraisal management companies, title and escrow agents, payment processors, customer relationship management platforms, and communications providers. These parties are permitted to use the information only to perform services for us and are contractually prohibited from using it for their own purposes.
  • Capital partners. To capital providers, warehouse lenders, loan purchasers, and loan servicers in connection with the funding, sale, securitization, or servicing of your loan.
  • Legal requirements. To respond to legal requirements, enforce our policies, respond to claims that any content violates the rights of others, or protect anyone’s rights, property, or safety, in accordance with applicable laws and regulations.
  • Business transition. Upon a sale, merger, or transfer of New Silver and/or all or part of its assets, your Personal Information may be among the items transferred, subject to the restrictions in the Mobile Information and Text Messaging section above and to the acquiring entity’s agreement to honor this Privacy Policy.

We do not rent, sell, or trade Personal Information about you to unaffiliated third parties for marketing purposes.

We may share Aggregate Data and de-identified information with third parties. Aggregate Data and de-identified information exclude mobile telephone numbers and text messaging consent data.

New Silver uses industry-standard encryption when transferring and receiving consumer and transaction data exchanged with our Site.

Cookies and Tracking Technologies

A cookie is a small data file stored on your computer, mobile phone, or other device that allows us to recognize you when you return to the Site using the same device and browser. Like most websites, we use cookies, pixels, and similar technologies to track Site usage and trends, customize your experience, and improve the quality of our Services.

Most browsers automatically accept cookies, but you can modify your browser settings to decline them. In some cases, doing so may affect your ability to use the Site. Where required by applicable law, we present a consent mechanism on the Site allowing you to accept or decline non-essential cookies and tracking technologies, and we honor Global Privacy Control (GPC) signals transmitted by your browser.

Data Retention

We retain Personal Information for as long as necessary to provide the Services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Text messaging consent records are retained for a minimum of five years following the date consent was withdrawn or the associated loan relationship ended, in order to evidence compliance with applicable telecommunications and consumer protection law. Records of opt-out requests are retained indefinitely so that we can continue to honor them.

How We Protect Your Information

We have implemented administrative, technical, and physical security measures designed to protect against unauthorized access, destruction, or alteration of your information. These safeguards vary based on the sensitivity of the information we collect, process, and store, and the current state of technology.

Although we take appropriate measures to safeguard against unauthorized disclosure, no Internet or email transmission is ever fully secure or error free, and we cannot guarantee that information we collect will never be disclosed in a manner inconsistent with this Privacy Policy.

Accessing and Updating Your Information

You can update your information through your account profile settings. If you believe that any Personal Information we hold about you is incorrect, incomplete, or inaccurate, you may request that we amend it.

You may also request access to any Personal Information we hold about you by contacting us at [email protected]. Where we hold information you are entitled to access, we will provide you with a suitable means of accessing it.

There may be instances where we cannot grant access — for example, where doing so would interfere with the privacy of others or would result in a breach of confidentiality. If that happens, we will provide written reasons for the refusal.

Your Privacy Rights

Depending on where you live, you may have the right to request access to, correction of, deletion of, or a copy of the Personal Information we hold about you, and to opt out of the sale or sharing of Personal Information or its use for targeted advertising. New Silver does not sell or share your Personal Information with third-party companies for their own direct marketing purposes.

To exercise these rights, contact us at [email protected] or (855) 844-5626. We will not discriminate against you for exercising them. You may designate an authorized agent to submit a request on your behalf; we may require verification of your identity and of the agent’s authority.

Children’s Privacy

The Site and Services are not directed to individuals under 18, and we do not knowingly collect Personal Information from anyone under 18. If we learn that we have collected such information, we will delete it.

Links to Other Websites

The Site and Services may contain links to third-party websites and services. We are not responsible for the privacy practices employed by those websites or services, nor for the information or content they contain. This Privacy Policy applies solely to information collected by us through the Site and Services. When you follow a link from the Site or Services to a third-party website or service, this Privacy Policy no longer applies and the privacy policy of that third party will govern.

Changes to Our Privacy Policy

New Silver may change this Privacy Policy from time to time. When we do, we will update the “Last Updated” date at the top of this page. Where changes are material, we will provide additional notice as required by applicable law. You should periodically review this page. Your continued use of the Site or Services after the effective date of any change constitutes acceptance of that change.

Contact Us

New Silver Lending LLC 28 N Main St, Suite 202 West Hartford, CT 06107 Email: [email protected] Phone: (855) 844-5626 NMLS Company ID: 2154545